QUESTION 3 :Explain how to evaluate commercial loan. A commercial loan is a debt-based funding arrangement between a business and a financial institution‚ typically used to fund major capital expenditures or to cover operational costs that the company may otherwise be unable to afford. Expensive upfront costs and regulatory hurdles often prevent small businesses from having direct access to debt and debt and equity markets for financing. Similar to consumer credit‚ smaller businesses must relay on
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3 EXPLAIN HOW THEORIES OF DEVELOPMENT AND FRAMEWORKS TO SUPPORT DEVELOPMENT INFLUENCE CURRENT PRACTICE. Theories of development offer insights into the forces guiding childhood growth and what can affect them. Each offers insight but each has limitations‚ which is why developmental scientists use more than one theory to guide their thinking about the growth of children. Current practice is based on many years of knowledge and experience. This helps us to understand children learning‚ development
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Strayer University Zappos: Delivering Customer Satisfaction HRM520 Ethics and Advocacy for HR Pro By Susan Rivera Richards Submitted to Dr. James G. Ziegler‚ PH.D. Spring 2105 Analyze the manner in which Zappos’ leadership has fostered a culture of ethicalness in the company. Suggest two (2) actions that other companies can take in order to mimic this culture. Many companies look at returns in a negative way but Zappos look at it as an opportunity. Companies need to look at returns
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disease-fighting protein‚ T-cells - a major part of the immune system‚ and B-cells - which make disease-destroying antibodies. Laughter may also increase the concentration of salivary immunoglobulin A‚ which defends against infectious organisms entering through the respiratory tract so it helps us to resist colds and viruses." That makes quite a case of the adage "A barrel of laughs a day keeps the doctor away." The healing power of humor is wide-ranging in scope and situation. Though medically‚ the interesting
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Throughout the centuries‚ both the system and the concept of prison have undergone many radical changes that eventually led to the formation of the prison as we know it now. In the 16th and 17th centuries‚ prison tended to be a place where criminals were kept in it while awaiting their punishment. It was a place‚ where criminals were held‚ rather than a means of punishment. In fact‚ criminals‚ at that time‚ were publically punished‚ rather than imprisoned‚ in the most torturous ways such as whipping
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extraordinary underwater world. It is designed so each passenger has individual observation window for viewing outside on the wonderful underwater world. There is also a camera situated on the submarine’s bridge which projects the great views from outside through a TV screen located inside the submarine‚ giving you an additional view of the marine life. At 35 meters undersea‚ you may see some rare species and will explore the underwater world of Mauritius like on safari trip. Apart from the marine life
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Discipline in the Classroom: Past and Present Throughout the history of classroom education‚ many different types of disciplinary systems have been applied by teachers and other authority figures in schools for the sole purpose of controlling student behaviour. These systems include corporal punishment‚ psychological abuse or neglect‚ and assertive discipline. Although two of these three topics are illegal at this time‚ they were all widely used in schools across the country a short time
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Explain how organisations respond to IT development Adopting business processes In today’s society IT is becoming more essential in everyday life. We use IT to contact people‚ to shop and to find information. Businesses are now trying to adapt to the ways of IT so they can build a stronger connection between their business and their consumers. One of the ways businesses are doing this is by introducing loyalty cards. Loyalty cards are basically cards that companies give you rewards and therefore
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automatically love their children. All relationships take time to grow and develop. Be willing to give everyone the time and space they need. It will come” (Lefurgey). Children thrive on routine and discipline and children living in stepfamilies are no different. Deciding on who should execute the discipline is often times a struggle however. In many instances‚ adults feel that they should be able to enforce rules to all children living in their homes. They may have the mentality that if children live
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level or no security measures that will make them helpless in preventing and controlling crimes and violence. Schools are supposed to be a safe environment for learning and teaching to "make the world a better place" (Keizer‚ 2001)‚ but with the increase of violence‚ students and faculty are becoming more afraid of attending school. The Existence of Discipline Problems in Schools Schools are responsible for the safety and wellbeing of their students and employees. Schools are places where the students
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